Personal choice.

I don't like driving my 1996 Volvo with 209,000 miles on it because it might die on me, but it gets 28mpg (twice that of my truck), is built like a tank, hauls a lot of gear, and has been paid for since day 1, in November 2005.

It will be hard taking on a car payment, but I will when it dies, or the wheels fall off. Poor Hunter will probably get to drive it.

Zero to 2.9% interest is out there, and if you can swing the payment, buy one, if you want.